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Citi Cash Back Credit Card

Citibank UAEMastercard

The annual fee for Citi Cash Back Credit Card is AED 315, including 5% VAT. No annual fee in year 1; from year 2 no annual fee upon meeting minimum annual spend of AED 9,000. The bank asks for a minimum monthly salary of AED 8,000.

Go to the bank's page
Checked against the bank's own pages on 27 Sep 2026. Apply opens the bank's own site.
Annual feeAED 315incl. VAT · First year free
Min. salaryAED 8,000
Monthly rate3.69%44.28% a year
Foreign fee2.99%

Rewards

  • 3% non-AED, 2% grocery, 1% everything else3% cashback on non-AED spending; 2% on grocery/supermarket; 1% on all other spending. No minimum spend, no caps (cash back not earned on spend above the credit limit in a statement cycle)
  • AED 300 joining bonusAED 300 joining bonus statement credit upon meeting min spend of AED 6,000 in 60 days (new Citi Credit Card customers only)

Benefits the bank lists

  • 8 airport lounge visits a year (1,200 lounges)
  • Easy installment plans
  • Instant cash loan option

Questions people ask

What is the annual fee for the Citi Cash Back Credit Card?

The annual fee for Citi Cash Back Credit Card is AED 315, including 5% VAT. No annual fee in year 1; from year 2 no annual fee upon meeting minimum annual spend of AED 9,000.

What salary do I need for the Citi Cash Back Credit Card?

The bank asks for a minimum monthly salary of AED 8,000.

What is the interest rate on the Citi Cash Back Credit Card?

The interest rate on purchases is 3.69% a month, which is 44.28% a year.

Does the Citi Cash Back Credit Card charge a foreign transaction fee?

Purchases in a foreign currency carry a fee of 2.99% of the amount.

Fee conditions

No annual fee in year 1; from year 2 no annual fee upon meeting minimum annual spend of AED 9,000

Notes from our check

Citi's product page gives a minimum salary of AED 8,000; its Key Facts Statement (July 2026) gives AED 5,000. We show the product page figure.

Sources

Where a bank does not publish a figure, we leave it blank instead of guessing.

Other cards from Citibank UAE

Citi Rewards Credit CardCitibank UAE
Annual feeAED 315incl. VAT
Min. salaryAED 8,000
Monthly rate3.69%
Foreign fee2.99%
1.5 ThankYou Points per USD 1 on grocery & non-AED spend
Citi Premier Credit CardCitibank UAE
Annual feeAED 787.5incl. VAT
Min. salaryAED 15,000
Monthly rate3.69%
Foreign fee2.99%
3 ThankYou Points per USD 1 on dining, fuel & grocery
Citi Prestige Credit CardCitibank UAE
Annual feeAED 1,575incl. VAT
Min. salaryAED 30,000
Monthly rate3.69%
Foreign fee2.99%
3 ThankYou Points per USD 1 on non-AED spend
Citi Ultima Credit CardCitibank UAE
Annual feeAED 3,150incl. VAT
Min. salaryAED 36,750
Monthly rate3.69%
Foreign fee2.99%
5 Citi Miles per USD 1 on non-AED spend